How long will $100,000 last in retirement?

Using the 4% rule, $100,000 should last indefinitely if you only withdraw $4,000/year ($333/month). Realistically, $100k as your only retirement savings would last 2-4 years at typical expenses. Combined with Social Security, it could supplement income for 5-10 years.

Can I retire early with $100,000?

Not comfortably in the US with $100,000 alone. However, $100k + Social Security can work after 62. For true early retirement (before 60), you'd need $500k-$1M+. But $100k is a strong foundation - keep investing and you'll reach your goal.

How long will $100k last without working?

Without any income, $100,000 lasts 2-4 years depending on lifestyle. At $3,500/month expenses (modest living), it lasts 28 months. At $2,500/month (frugal), nearly 40 months. Adding part-time income of $1,500/month doubles these durations.

Should I invest $100,000 or keep it liquid?

Keep 6-12 months expenses liquid (high-yield savings). Invest the rest based on timeline: if you need it in 2-5 years, consider bonds/CDs. If 5+ years, low-cost index funds historically return 7-10% annually. Diversification is key.

Amount Calculator$100,000

How Long Will $100,000 Last?

$100,000 is a significant nest egg that can provide 2-4 years of financial runway depending on your lifestyle. At $4,000/month expenses, $100k lasts about 25 months. With investment returns and careful planning, you can extend this considerably. Use our calculator to see your personalized timeline.